Community National Bank & Trust Mortgage Rates, Fees & Info
Chanute, KSLEI: 549300MUMD1WPCSXT518
Tax ID: 48-1038713
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Mortgage Data
Review & Overview
Community National Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Community National Bank & Trust has a high proportion of conventional loans. They have a low ratio of USDA loans. Their top markets by origination volume include: Wichita, Pittsburg, Winfield, Joplin, and Coffeyville among others. We have data for 31 markets. (Some data included below & more in-depth data is available with an active subscription.)Community National Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Community National Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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SimulatedRates™Mortgage Type |
Simulated Rate | Simulation Date |
|---|---|---|
| Home Equity Line of Credit (HELOC) | 6.27% | 11/21/24 |
| 30 Year Conventional Purchase | 6.86% | 11/21/24 |
| 30 Year Conventional Refi | 6.76% | 11/21/24 |
| 30 Year Cash-out Refi | 6.83% | 11/21/24 |
| 30 Year FHA Purchase | 6.27% | 11/21/24 |
| 30 Year VA Purchase | 6.45% | 11/21/24 |
| 30 Year USDA Purchase | 7.45% | 11/21/24 |
| 15 Year Conventional Purchase | 6.55% | 11/21/24 |
| 15 Year Conventional Refi | 6.16% | 11/21/24 |
| 15 Year Cash-out Refi | 6.16% | 11/21/24 |
| These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates. | ||
Community National Bank & Trust Mortgage Calculator
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The default purchase price is the median sales price across the US for 2022Q4, per FRED.
Originations
1,253Origination Dollar Volume (All Markets)
$164,155,000Awards
Community National Bank & Trust - 2022
Community National Bank & Trust is a 2022 , due to their low .
For 2022, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Outside of Metro Areas | 422 | $49,420,000 | $117,109 | $1,669 | 5.23% |
| WICHITA, KS (FHA|USDA|VA) | 292 | $41,170,000 | $140,993 | $2,336 | 5.32% |
| Pittsburg, KS (FHA|USDA|VA) | 82 | $15,660,000 | $190,976 | $2,317 | 5.25% |
| Winfield, KS (FHA|USDA|VA) | 139 | $15,205,000 | $109,388 | $2,468 | 5.56% |
| JOPLIN, MO (FHA|USDA|VA) | 28 | $9,290,000 | $331,786 | $2,556 | 5.58% |
| Coffeyville, KS (FHA|USDA|VA) | 112 | $8,250,000 | $73,661 | $1,998 | 5.55% |
| KANSAS CITY, MO-KS (FHA|USDA|VA) | 19 | $5,085,000 | $267,632 | $3,603 | 5.00% |
| Ponca City, OK (FHA|USDA|VA) | 58 | $4,670,000 | $80,517 | $2,573 | 5.59% |
| Emporia, KS (FHA|USDA|VA) | 26 | $3,120,000 | $120,000 | $1,914 | 5.28% |
| Parsons, KS (FHA|USDA|VA) | 18 | $1,900,000 | $105,556 | $3,281 | 5.60% |
| Warrensburg, MO (FHA|USDA|VA) | 11 | $1,635,000 | $148,636 | $4,034 | 6.29% |
| Hutchinson, KS (FHA|USDA|VA) | 7 | $1,045,000 | $149,286 | $1,696 | 5.59% |
| CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) | 1 | $985,000 | $985,000 | $0 | 3.38% |
| Sedalia, MO (FHA|USDA|VA) | 8 | $890,000 | $111,250 | $1,003 | 5.27% |
| Bartlesville, OK (FHA|USDA|VA) | 5 | $675,000 | $135,000 | $3,727 | 5.53% |
| MANHATTAN, KS (FHA|USDA|VA) | 1 | $675,000 | $675,000 | $3,818 | 5.85% |
| McPherson, KS (FHA|USDA|VA) | 3 | $545,000 | $181,667 | $3,898 | 6.12% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $0 | 6.50% |
| TULSA, OK (FHA|USDA|VA) | 5 | $445,000 | $89,000 | $3,890 | 6.00% |
| SPRINGFIELD, MO (FHA|USDA|VA) | 1 | $395,000 | $395,000 | $2,948 | 5.39% |
| Gainesville, TX (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 5.68% |
| FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $0 | 5.25% |
| ENID, OK (FHA|USDA|VA) | 3 | $295,000 | $98,333 | $2,959 | 4.71% |
| Stillwater, OK (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 4.50% |
| TOPEKA, KS (FHA|USDA|VA) | 2 | $280,000 | $140,000 | $0 | 5.13% |
| OCEAN CITY, NJ (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 5.75% |
| JEFFERSON CITY, MO (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $0 | 4.69% |
| Miami, OK (FHA|USDA|VA) | 1 | $185,000 | $185,000 | $3,857 | 5.13% |
| Fort Leonard Wood, MO (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $3,075 | 4.88% |
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 1 | $125,000 | $125,000 | $4,650 | 5.50% |
| Branson, MO (FHA|USDA|VA) | 1 | $15,000 | $15,000 | $0 | 4.29% |
Similar Lenders
We use machine learning to identify the top lenders compared against Community National Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2022, Community National Bank & Trust's most frequently originated type of loan was Conventional, with 977 originations. Their 2nd most popular type was HELOC, with 274 originations.
Loan Reason
For 2022, Community National Bank & Trust's most frequently cited loan purpose was Home Purchase, with 567 originations. The 2nd most popular reason was Refi, with 315 originations.
Loan Duration/Length
For 2022, Community National Bank & Trust's most frequently cited loan duration was 30 Year, with 315 originations. The 2nd most popular length was 10 Year, with 247 originations.
Origination Fees/Closing Costs
Community National Bank & Trust's average total fees were $2,493, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 435 originations.
Interest Rates
During 2022, Community National Bank & Trust's average interest rate for loans was 5.11%, while their most frequently originated rate bucket for loans was 4-5%, with 469 originations.
Loan Sizing
2022 saw Community National Bank & Trust place emphasis on $100,000 or less loans with 734 originations, totaling $35,220,000 in origination value.
Applicant Income
Community National Bank & Trust lent most frequently to those with incomes in the $50k or less range, with 250 originations. The second most popular income band? $50k-75k, with 193 originations.
Applicant Debt to Income Ratio
Community National Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 219 originations. The next most common DTI ratio? <20%, with 152 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications93.96%
Community National Bank & Trust has an average approval rate.
Pick Rate
Approvals leading to origination86.83%
Community National Bank & Trust has an average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| 100.0 | 1 | $45,000 | $45,000 |
| 104.0 | 3 | $75,000 | $25,000 |
| 114.0 | 1 | $75,000 | $75,000 |
| 139.0 | 1 | $55,000 | $55,000 |
| 89.0 | 1 | $15,000 | $15,000 |
| NA | 1,246 | $163,890,000 | $131,533 |
LTV Distribution
Complaints
| Bank Name | Product | Issue | 2022 CPFB Complaints | % of Total Issues |
|---|---|---|---|---|
| Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) | FHA mortgage | Struggling to pay mortgage | 2 | 66.7% |
| Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) | Other type of mortgage | Trouble during payment process | 1 | 33.3% |